# PeoplesBank, a Codorus Valley Company

> **Canonical URL:** https://saferate.com/lenders/peoplesbank-a-codorus-valley


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PeoplesBank, a Codorus Valley Company is a bank, headquartered in York, PA, serving borrowers across 2 states, with 62 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008M2HP1C1B9LU12
- **Headquarters:** York, PA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MD, PA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.152%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,173
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 62
- **Dollar Volume:** $19 million
- **Applications Received:** 73
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,032
- **Average Borrower Income:** $124,742
- **Average Property Value:** $380,161

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 62 | +0.152% | $2,173 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 58 | $17M | +0.133% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 52 | 0.04% | 63/100 |
| MD | 10 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| York | PA | 42 | 68/100 |

## Where This Lender Ranks

PeoplesBank, a Codorus Valley Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in York Banks
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks)
- 🏆 **#17** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does PeoplesBank, a Codorus Valley Company offer?

PeoplesBank, a Codorus Valley Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PeoplesBank, a Codorus Valley Company offer mortgages?

PeoplesBank, a Codorus Valley Company offers mortgages in 2 states: MD, PA.

### How competitive are PeoplesBank, a Codorus Valley Company's mortgage rates?

PeoplesBank, a Codorus Valley Company has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.152% above market average.

### What type of lender is PeoplesBank, a Codorus Valley Company?

PeoplesBank, a Codorus Valley Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in York, PA.

### What is PeoplesBank, a Codorus Valley Company's loan approval success rate?

PeoplesBank, a Codorus Valley Company has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/peoplesbank-a-codorus-valley

### How to Cite

> "PeoplesBank, a Codorus Valley Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/peoplesbank-a-codorus-valley

---

**[View Interactive Profile →](https://saferate.com/lenders/peoplesbank-a-codorus-valley)**